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PROPOSALS FOR IMPROVING
THE REGULATION OF THE HOUSING
GOVERNMENT SPONSORED ENTERPRISES

HEARINGS

BEFORE THE

COMMITTEE ON
BANKING, HOUSING, AND URBAN AFFAIRS

UNITED STATES SENATE

ONE HUNDRED EIGHTH CONGRESS

FIRST AND SECOND SESSIONS

ON

ESSENTIAL ELEMENTS AND PROPOSALS OF REGULATORY REFORM,
RESOLUTION OF ACCOUNTING ISSUES, AND FUNDING OF A NEW
OVERSIGHT OFFICE

OCTOBER 16, 23, 2003, FEBRUARY 10, 24, AND 25, 2004

Printed for the use of the Committee on Banking, Housing, and Urban Affairs

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GPO Depository
Available at: http://www.access.gpo.gov/congress/senate/senate05sh.html

U.S. GOVERNMENT PRINTING OFFICE

21-980 PDF

WASHINGTON : 2005

For sale by the Superintendent of Documents, U.S. Government Printing Office
Internet: bookstore.gpo.gov Phone: toll free (866) 512–1800; DC area (202) 512–1800

Fax: (202) 512–2250 Mail: Stop SSOP, Washington, DC 20402-0001

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COMMITTEE ON BANKING, HOUSING, AND URBAN AFFAIRS

RICHARD C. SHELBY, Alabama, Chairman ROBERT F. BENNETT, Utah

PAUL S. SARBANES, Maryland WAYNE ALLARD, Colorado

CHRISTOPHER J. DODD, Connecticut MICHAEL B. ENZI, Wyoming

TIM JOHNSON, South Dakota CHUCK HAGEL, Nebraska

JACK REED, Rhode Island RICK SANTORUM, Pennsylvania

CHARLES E. SCHUMER, New York JIM BUNNING, Kentucky

EVAN BAYH, Indiana MIKE CRAPO, Idaho

ZELL MILLER, Georgia JOHN E. SUNUNU, New Hampshire

THOMAS R. CARPER, Delaware ELIZABETH DOLE, North Carolina

DEBBIE STABENOW, Michigan
LINCOLN D. CHAFEE, Rhode Island

JON S. CORZINE, New Jersey
KATHLEEN L. CASEY, Staff Director and Counsel
STEVEN B. HARRIS, Democratic Staff Director and Chief Counsel

DOUGLAS R. NAPPI, Chief Counsel

MARK F. OESTERLE, Counsel

BRYAN N. CORBETT, Counsel
PEGGY R. KUHN, Senior Financial Economist
MARTIN J. GRUENBERG, Democratic Senior Counsel
STEPHEN R. KROLL, Democratic Special Counsel

SARAH A. KLINE, Democratic Counsel

JONATHAN MILLER, Democratic Professional Staff
JOSEPH R. KOLINSKI, Chief Clerk and Computer Systems Administrator

GEORGE E. WHITTLE, Editor

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